mortgage services


The Mortgage Industry is regulated by the
Financial Conduct Authority (FCA).

Regulatory requirements now stipulate that Mortgage Advisers hold
professional qualifications.

Our mortgage adviser holds the full Certificate of
Mortgage Advice and Practice from the Chartered Institute of Bankers and the
full Financial Planning Certificates 1, 2 and 3.

Knowles Estate Agency is an Appointed Representative of Mortgage Intelligence Ltd
which is authorised and regulated by the Financial Conduct Authority under number 305330
in respect of mortgage, insurance and consumer credit mediation activities only.

Choosing the right mortgage can be confusing because there are so many different types available and so many lenders to choose from, each with different rates and special deals.

Through  Knowles Estate Agency’s specialist advisor, Michael Knowles, we’ll ensure that you not only receive quality advice, in a friendly and helpful manner, but also get the best mortgage deal possible.We constantly review the mortgage market in order to select the appropriate lenders to meet your individual circumstances. We are not tied to any Bank or Building Society and, as a result, have access to over 7,000 mortgages from a wide range of lenders.


We will look at your individual needs and arrange the most suitable finance for you in the privacy of your own home, or in our office, without obligation. We can help you to:

  • Understand the different kinds of mortgages that are available to you
  • Work out which one would best suit you
  • Track down the right mortgage deals that could keep your mortgage payments to a minimum
  • Work out how much taking out a mortgage will cost and help you decide how much you can afford to borrow.

There may be a fee charged for mortgage advice. The amount will depend on your circumstances and will be a maximum of 1% of the loan arranged.

Your home may be repossessed if you do not keep up
repayments on your mortgage

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them if you can take your complaint to an Independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (
You may be able to submit a claim through the EU Online Dispute Resolution Platform ( if you live outside the United Kingdom or if you prefer not to deal directly with the Financial Ombudsman Service.)

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